CareCredit
reviews and complaints

The app was working great with the finger scan, but then it needed the password again. Usually it not a problem with other apps. This one, however, wants to use a phone number to send a validation code. Ok, still pretty typical as many other apps. The problem is there are phone numbers listed that I do not even recognize. I called their toll free number list for help. I asked them to remove all phone numbers on my account and add my correct cell phone number. They did as I requested but it still shows the wrong phone numbers on the app basically rendering it useless. I have to use their website instead. It's very disappointing!

I’ve had the CareCredit mobile app for at least two years. No problems in using it at the dentist/ortho offices or reviewing my bill. Until just recently, I can never use my TouchId option to log in. It continuously kicks me out and then locks my account for 30mins. I reset my password (bcuz once I create it I forget; its not an account I use often so...) and my first attempt my login is successful. But if I go back to it and login with the newly created password again it doesn’t recognize my credentials and here I go starting all over again AFTER the 30min account lockout. Please return the app to the version that was of simpler use.

Useless! I can't even log in. And when I followed the instruction to 'call customer service' the representative thought I was calling about an application for credit. I explained that I'm calling about their PHONE APP not an application for credit.. I have credit! He seemed to think my frustration was humorous and chuckled every time he had to place me on hold to talk to a supervisor. I'm fairly certain that the positive reviews are from few staff members that are even aware that they have an app. I wasted 27 minutes on the phone and then when he thought it was 'fixed' he told me to give it 30 minutes and try again. That was 2 days ago.

On their page to provide Efforts to provide feedback do not allow the keyboard on my phone to come up so that I can type in the feedback. That's pretty… Not user-friendly.

No place in the app can I find a place to actually log out. That also is not very user-friendly.

In general, this app is amongst the least usable of all my apps and I have at multiple credit cards and multiple bank accounts with multiple banks. ANY of those apps is better than this app.

And I can't even give that feedback?! --because the app doesn't permit it. There's a space, but it doesn't get a keyboard up. So I can't type anything into it. Or even dictate. SMH.

I have an iPhone. I am never able to login directly from the main screen. Every time I have to click on forgot password enter all of my validation info from scratch it excepts my new password I get logged in and then a few minutes later while in the middle of doing something it kicks me back out to the main login screen. And I am still unable to back in with the brand new password I just created. But if I click on forgot password again and enter all the validation information all over again I get in for another two minutes before it kicks me back to the login screen again. Somebody needs to seriously look at fixing this application on iPhones.

Was doing well on my payments and suddenly my account was drained to 12 dollars. I subtracted the fees from my payments and it still didn't equal to 12 dollars. The fees aren't consistently priced, either, its just how much they think they can get away with taking from you. Terrible customer support, nobody was able to explain what happened. They don't think someone with low income could possibly own a calculator, I am working hard to get it all paid off so i can deactivate my account and get rid of something thats draining my already small paycheck. They prey on people's need for real and actual help. You're better off getting a loan from someone you trust.

So I had just signed up for my account and went to get the mobile app so when I'm not around my computer I can keep up to date on payments. I tried to log in and it asked me to select my phone number from the list of numbers but mine was not listed! Two numbers I had never even seen before were there so I deleted the app and reinstalled it to find my old cell phone number there which made absolutely no sense. I called customer service and she told me to just use a computer and not the app. The whole point in wanting the app is to make payments or check up on things on the go, I don't just want an app to have it. Totally disappointed with this app. I can't even log in.

This app does not work and there is no support. I try to sign in and to verify my identity I am given a choice to select between two numbers. They are both the same number that has been removed from my account. I have verified this with the bank.

They say this app is developed and supported by a third party and the have no way to contact them to fix this issue.

If I take the prompt that states don’t see your number click here it prompts me for the security number on my card. I try that and get told that the number is invalid.

If I click on the app support link in iTunes I get send to the banks website and given the number I already called.

Fix the app so I can use it.

CareCredit sent me a MasterCard replacement to my older CareCredit card, and it does NOT work. My dentist tried to add an amount to my account for payment, and it was declined. In checking my CareCredit app, my old card number is still listed, and has not been updated. CareCredit blames the declined input on my dentist’s terminal, but it worked just fine when they submitted a previous balance for payment. I have sufficient credit balance to permit this new amount to be added. Also, I’ve been give conflicting guidance on promotional offers for multiple authorized billings. I plan to pay-off my current balance, and then, cancel my CareCredit account - poor service, poor accounting, and poor customer service.

App is completely unusable. ZERO functionality. I've had an account now for nearly a month, completed my signup info through their website via my computer, and then I downloaded the app. (iPhone 6s) When I use the correct username and password, it says "We are unable to complete your request at this time. Please try again later." (I know login info is correct, because it will give an "incorrect ID and password" notification if I try a different combo. ...I'm infuriated that "trying again later" never works.

It would be moderately funny if this app were some sort of practical joke...but it's a financial institution for christsakes. They need to get their $h1t together or pull the app from the store entirely.

BEWARE‼️ They processed my payment. (My last one I needed to make) It went through with sufficient funds and money left over and then was returned? AND CHARGED MY BANK ACCOUNT AN EXTRA 35 DOLLARS FOR THE RETURN OF THE PAYMENT. (I think its their scam to get interest and a late fee as well meanwhile getting you charged 35 dollars that you can do nothing about.) Smh. An hour on the phone wasting my time before they finally waved the 100 dollar interest and 29 dollars late fee but im stuck with the 35 dollar charge from my bank. DISGUSTING. Sad they do this to people. Times are hard for people. This is not right. Please be careful. Ive used them numerous times for dental visits etc but I will be looking for a different option.

I recently made a couple of large payments on my CC account because we were running up charges with an emergency vet and I wanted to keep my credit usage ratio under control. Much to my surprise I was declined for a $400 charge at the vet when I had some $5,000 available. Turns out that Synchrony puts a 10 day hold on what they deem to be large or unusual payments. Never mind that these were electronic payments that clear overnight and hit you bank next day, they treat it like a frigging paper check and refuse to recognize the lower balance that you have funded. So I downloaded this app in hopes that it would show available credit and I could use it in the future to avoid another unnecessary embarassment. But your available to spend number is not shown in the app. This blows.

I've been a Care Credit customer for over a decade and recently, while travelling on business, my account payments got returned due to human error twice. Less than 3 weeks later, I rectified it and paid the past due balance. 3 weeks after that, they closed my account without telling me and reported my balance as a settlement on my credit. When I called I was told that this was due to a new computer system that auto cancels accounts with 2 missed payments (this was 1 payment returned twice due to error mind you!) 12+ years as a customer and they're willing to let me go because of that. CareCredit does NOT value its customers! Don't use them!

I have called in numerous times and got the run around from your customer service team. I mailed in my Pay off check to the PO Box and verified thru a representative I sent the check priority mail to be signed for so I knew they received my payment. I have contacted numerous times now via phone and chat. My payment has still not been applied to my account and at this point care credit owes me funds back. One guy told me the PO Box had changed as well. Put on my account that I have a missed payment when it’s been there for weeks now. Please resolve this issue immediately.

*send to ceo*

I had a care credit card for a pet surgery. I have paid monthly payments. Never, have I been late paying on anything. I sent your company a payment back a few months ago of $1100.00. Somehow, it was either posted to another account or lost! I even spent hours calling your silly company to speak to a human. I sent you a picture of my bank account showing the $1100.00 sent to you and the date 2-3-23! Yesterday, (4-25-23), I spoke to a "supervisor" he said there was nothing he could do but file a dispute! I already did that 2 months ago!

Your company is useless and not 1 person has helped me at all with my situation!

You owe me money because now I have overpaid! I will not wait 60 days for another dispute because that will round off to my 1 year paying on the card!

I want a call from the ceo's office and this resolved within 10 business days of this email or I will file a complaint with the police and the bbb!

[protected]- michelle collins

My service animal was attacked by an unleashed pitbull on the evening of April 10th. We spent over 5 hours at the emergency vet located in Sanford Florida. At this time was when I applied for CareCredit in order to pay for the damages done to my service animal. The woman on the other line was very rude and condescending showing no remorse and lacked sympathy to a pet parent that has just experienced a very traumatic event. It is unacceptable to have such rude individuals behind a name such as care with credit behind it who need help for circumstances that were not within their control. She furthermore insulted my intelligence when it pertained to the spelling of a very small word asking me if I knew how to spell it. Then ended the call with good luck which was also very condescending.

In march I received a call from Afforable Dentas that MY INSURANCE company had overpaid the bill and unfortunately they had sent the refund to Carecredit because they thought it was a credit card.

I called Carecredit several time. This last time a spoke to a lady and explaiIned the situation. She said the $597 had been applied to a promotional that had ended. I told her that I didn't authroize that payment. That payment came from MY INSURANCE, not Carecredit. I said so basically you stole this money from me and my insurance company that I pay monthly for.

I asked her to refund $400 and because I have a bill due to keep $197 and put that toward the bill. She was gone for a short bit and said she couldn't do that. I said you had no right taking my money, and basically you stole my money and could be arrested for that.

She kept apologizing and I told her that she should apoligze for this she was a thief and I hoped she sleeps well tonight.

I again, told here that MY INSURANCE overpaid and probably she she put me on hold she twidled your thumbs long enotugh to say she couldn't do it. We I'm so glad that Carecredit has theives as employee. If you did it from me you've done it from a lot of people. That is wrong. I told her that I wasn't paying the $118.00 for this month because she got $597 that I didn't authorize so I wasn't paying.

Sincerely

Melinda Harris

[protected]

I overpaid my account. My finance company called a few times for payoff amount. In the meantime I made monthly payments. May 2022 I sent in a check to payoff my account. I was issued a refund in June so my account should have been closed. In August 2022 I was looking at my bank statement & automatic payments were taken out in July & August. I called customer service. She said there was an error. I was irritated that automatic payments had been taken out after my account was paid off. I've talked to several people & I told them to stop the auto payments. I was told that I didn't want to do that. Yes I do, stop auto payments. I called my bank &told them to stop auto payments. I've called to file a dispute but I don't think it was ever filed. I made a few payments after that & I told them that I didn't owe it but I thought we'd get it settled before the next month. Since my finance company called a few times for payoff amount, I called to confirm payoff amount, I'm not sure which time the error was made. First I was told that I put a new charge on it. No I didn't. Then it was interest. No, that's not it, then I was told it was fees. When I called & made payments I made sure to tell them that I'm just paying this to keep it off my credit. I would like this to get settled. Now interest & whatever has been added on. I would like to speak to someone higher up then the first 3 people I spoke to, never resolving the issue. I'm having problems on another credit card with an unauthorized purchase of over $3,100 & between the two of them my credit score is awful. I pay my bills, almost always on time. Do I need to contact corporate office? I just want this settled. When I made payments I knew I didn't owe I knew that you would refund it when this was settled. If you need dates & amounts I can get them. You can look at my account & see that I was never late. Why would you refund my over payment if it wasn't paid. I even called to confirm that I had a zero balance. I'm so disappointed in the 2nd & 3rd person, I guess they are higher ups then the first person I talked to. The lady that answers was very kind, it just seems like nobody understood why I was paying again. This is long overdue to get settled. I don't want bad debts on my credit. I worked really hard to get it back up after my divorce & a really serious year long illness that almost killed me. I'm not a deadbeat. Thank you

My bank automatically charged me for the insurance policy from CARE CREDIT and I have contacted my bank they asked me to contact with CARE CREDIT directly then somehow I found the number for them and it's been more than one month i am keep on doing follow ups with them and they people keep on moving round and round.

I have sent everything they have asked for finally my policy got cancelled and on March 11 2023 they informed me that my refund has been initiated and its been almost 10 days and still i haven't received anything from them . Tdy there rep asked me to send my bank statement that shows i haven't received anything from them. CARE CREDIT is a big SCAM they take people money and never gave refund.when i asked last rep to send me the proof that you send me my refund however they don't have any information about this . Very bad experience with CARE CREDIT i would like to inform everyone don't buy any policy from CARE CREDIT.

I was consulted and given a dental care plan for partials. The doctor stated that I needed several teeth restorations to make this partials fit properly. Each restoration was $1875 total care was over $14000 and my portion would be $7000. After a second opinion, I was quoted a plan for a lot less. When I called my insurance to explain my quote from Comfort Dental they told me the quotes were EXAGGERATED and that the doctor only requested services for partials which were also price EXAGGERATED. So, I told my dental insurance provider to cancel the hold with this doctor, I would like to go to the doctor with the better care plan- and they assisted me with my request. My insurance provider told me to contact CareChoice credit of the changes. This is when I found out that CareChoice was charged $7000 for services not performed. That seems illegal. I didn't even get a cleaning. I only received x-rays and care plan. I'm seeking a lawyer Monday morning. My credit score has dropped 43points from this situation because by them charging this new account for the total amount of the requested line of credit, it looks like I maxed a credit card I just received in one day. Im so upset. Im trying to purchase a home.